Frequently Asked Questions
"What Are The Basic Differences Between Short-Term and Long-Term Disability Polices?"
Answer: Typically, there are two factors that distinguish Short-Term and Long-Term Disability policies. Short-Term Disability policies will have a waiting period of 0 to 14 days before benefits begin, with a maximum benefit period of no longer than two years. Long-Term Disability policies will have a waiting period of several weeks to several months before benefits begin with a maximum benefit period ranging from a couple of years to the rest of your life.